Compliance, or a lack thereof, is in some cases, the root of systemic risk in financial ecosystems. Government and Intrastate Regulators continue to adjust rules. So of course, business owners follow suit and grey areas arise as a result of poor implementation. Since the birth of the Real Estate Crowdfunding industry, compliance and regulations continue to be negotiated. So for today, what is and isn’t compliant? For California alone, we will delve deeper into these topics as an Accredited Investor as well as an Investment Firm. Accreditation Thresholds Definition | The Securities and Exchange Commission identifies an Accredited Investor as someone who receives annual income in the previous, current, and expected year of approximately $200K ($300K with joint spouse). Additionally, someone with a net worth of $1MM, not including their residence is considered an accredited investor. 10% of Net Worth | An investor is eligible to invest in any amount of […]

2014 started off slow with the perceived “cooling” of the real estate market. Also, it started the end of Ben Bernanke, the introduction of Janet Yellen as Fed Chair, and job creation lower than previously expected. The housing recovery has pushed homes prices in most cities across our nation. Nationwide, prices rose by 10.9%, pushing the median price for existing homes up by $30,000 to $215,000. While prices continue to increase, homes are still affordable and on average 31.5% lower than their prices during the 2006 peak. Housing Market Increases Historically, low mortgage rates created a sense of urgency in 2013. Hence, traditional homebuyers took advantage of the still-affordable homes. This happened even as “good deals” were not available. Therefore, investors and other buyers were quick to engage in bidding while offering up cash for properties. Markets that were recently seen as “duds” quickly gained desirable status. One such city […]

The year 2013 may be coming to a close, but investors are already looking toward the New Year. Even more so, wondering what 2014 crowdfunding real estate will bring. While the last few months have been rife with uncertainty, the recent decision by the Federal Reserve to begin cutting monthly bond purchases may well be a strong indicator that the economy is starting to gather upward mobility. As we move into a New Year. U.S. shares have also begun to shift into record territory. While the Dow Jones industrial average saw an increase of 62.94 points, amounting to almost 0.40 percent with a record close at 16,357.55. Meanwhile, the S&P 500 saw a gain of 5.33 points, nearing 0.30 percent to find a record of 1,833.32. An additional 6.513 points were added to the Nasdaq Composite for a record finish of 4,155.417. Anticipations Exceeded Much of that transition was supported by […]

It looks like 2014 could inaugurate a new era of optimism in the US economy. Spurring on this positivity is the recent passage of a budget deal. After an almost default on government debt in 2011, a 16-day government shutdown in October, and absolute gridlock in Congress, a budget deal has finally passed and things are looking up. It looks like fear has finally been replaced by reason. Let’s take a look at all the things that are going well. Consumer Confidence Is Up It’s essential to remember that the consumer is the engine behind economic acceleration, driving more than 70% of GDP. Luckily, consumer confidence is on the rise and by all accounts aforementioned confidence will continue to rise through 2014. Partly driving this increase in consumer confidence is a decline in consumer debt. The aggregate debt/disposable income ratio has dropped from 125% at the 2007 peak to 100%. […]

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